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Income falling badly plus divorce left me in debt to a number of credit card companies. Some seem to have gone away (at least for now) and in some cases I am paying off monthly, in two cases after CCJs. Now being pursued on one as detailed below. Hoping to follow the UE route and looking for help and advice. Newbie so forgive me if I get things wrong; I have tried to read the guidance and to follow it. Details set out below in form requested.
MBNA Platinum Credit Card
Date Commenced: October 1998
Balance £16,100
Date Last Paid Approx. July 2010. Not paying since then.
Status: default. County Court action initiated by owner of debt
Account owner - Debt was sold to Hillesden Securities
I want to check the UE route. One 'flaw' I can see in the CCA is that the original form included no place for the lender to sign it. However, a sort of squiggle has been added and dated at 12 January 1999, ie, almost three months after the agreement came into force. Does this alone place it in the UE category as an improperly executed agreement?
The documentation is also confusing. There is the application form I signed. Then there is a set of four pages of Terms and Conditions. Then there is a separate document saying "this is a copy of your agreement to keep". However, Page 1 of this document is not included, which seems suspicious - the first page sent me is marked '2of8'. My address also seems to have been added at an odd place.
I plan to send my CCA to Niddy following his requested guidelines. Should I also enter it onto the Private area of this site? Any advice most welcome. A Court hearing has been for 22 March to strike out my defence and so I need to know before then whether I have a case on UE grounds and if so what arguments to deploy. Thanks in advance for any help. A lot of money at stake here!
MBNA Platinum Credit Card
Date Commenced: October 1998
Balance £16,100
Date Last Paid Approx. July 2010. Not paying since then.
Status: default. County Court action initiated by owner of debt
Account owner - Debt was sold to Hillesden Securities
I want to check the UE route. One 'flaw' I can see in the CCA is that the original form included no place for the lender to sign it. However, a sort of squiggle has been added and dated at 12 January 1999, ie, almost three months after the agreement came into force. Does this alone place it in the UE category as an improperly executed agreement?
The documentation is also confusing. There is the application form I signed. Then there is a set of four pages of Terms and Conditions. Then there is a separate document saying "this is a copy of your agreement to keep". However, Page 1 of this document is not included, which seems suspicious - the first page sent me is marked '2of8'. My address also seems to have been added at an odd place.
I plan to send my CCA to Niddy following his requested guidelines. Should I also enter it onto the Private area of this site? Any advice most welcome. A Court hearing has been for 22 March to strike out my defence and so I need to know before then whether I have a case on UE grounds and if so what arguments to deploy. Thanks in advance for any help. A lot of money at stake here!
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